Lendus.

Commercial Oven Finance

Spread the cost of commercial ovens from £3,000 to £50,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£3k – £50k

Approval Speed

24 hours

Same-day for < £20k

Rates From

From 6.0% APR

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Finance options

Hire Purchase (HP)

Rate
From 6.5% APR
Term
12–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Bakeries and restaurants wanting to own ovens outright

Finance Lease

Rate
From 6.0% APR
Term
12–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate
From 6.8% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Always cook with the latest technology. Off balance sheet.

Representative example

Borrow £15,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£312. Total amount payable: ~£14,976. Rates depend on your circumstances.

Popular models

Model Price Range Type
Rational iCombi Pro 10-1/1 £12,000 – £18,000 Combi Oven
UNOX BAKERTOP MIND.Maps £8,000 – £14,000 Bakery Oven
Moretti Forni Neapolis £15,000 – £25,000 Electric Pizza Oven
Convotherm maxx pro £10,000 – £20,000 Combi Steamer

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Tax benefits

Commercial ovens qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one. HP agreements allow capital allowances. Lease payments are fully deductible from profits.

Market context

Combi ovens are the fastest-growing segment in UK commercial kitchen equipment, with Rational holding over 50% UK market share. Energy-efficient models can reduce cooking energy costs by 40%. The UK bakery market alone is worth £4bn.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Our eligibility check uses a soft search only — no impact on your credit score.

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Frequently asked questions

Can I finance a used commercial oven?
Yes. Most lenders finance used ovens up to 5 years old. Reconditioned Rational and UNOX ovens from authorised dealers get the best rates.
What deposit do I need?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit. Larger deposits reduce monthly payments.
How quickly can I get commercial oven finance?
Most applications are approved within 24 hours. For deals under £20k, same-day approval is common.
Can I include installation in the finance?
Yes. Installation, gas/electrical connection, and extraction work can often be included if they're on the supplier invoice.

Guides and resources

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